Texas' Top Mortgage Brokers Since '96
Jumbo Home Loans: Borrow Upto $2M with 10% Down & No PMI
Borrow upto $2M with just 10% down, no PMI, and flexible terms, designed specifically for investors, and high-income earners.
With in-house underwriting and 100% secure online application, we close faster than anyone else.
- 10% Down, No PMI
- Compare Multiple Lenders
- In-House Underwriting
- 100% Secure Online Application
5/5
Nature's Symphony
Texas' Top Mortgage Lenders Since 1996
Tired of Lenders Who Don’t Understand Your Income?
As an investor or a professional with unique income structure, you know the frustration of dealing with lenders who:
- Don’t understand your income structure.
- Have rigid requirements that don’t fit your portfolio.
- Take weeks (or months) to approve your loan.
- Kill your deals with unnecessary delays and paperwork.
WHY CHOOSE US?
Custom Jumbo Loan Options, Designed for Investors Like You
With 10% down, no PMI, rental income consideration, fast closings, and a 100% secure online application, we make luxury investments more accessible than ever.
With over $7B in funded loans, we’ve earned our reputation as one of Texas’ most trusted mortgage brokers.
10% Down, No PMI
Why tie up all your cash when you don’t have to?
With just 10% down and no PMI, you can invest in luxury properties while keeping more money working for you.
Unmatched Reputation
Everyone makes this claim, so don’t take our word for it.
Have a look at our reviews. A perfect 5-star rating isn’t luck, it’s the result of putting our clients first.
In-House Underwriting
We’ve closed jumbo loans in as little as 7 days.
Our team of top loan officers is redefining the standards of mortgage industry, offering personalized service that puts you first.
Shop Multiple Lenders
Why settle for one lender when you can compare them all?
At ACM, our loyalty is to you, not a big bank or lender. We shop all lenders to find the best terms and rates tailored to your unique needs.
Start Your Pre Approval Now
Fill out our 2-minute form to see how much home you can afford.
One of our top loan officers will get in touch with you to help you qualify for upto $2M.
Why Choose Our Super Jumbo Loan for Investors?
As an investor or a business owner, you know how important it is to keep your money working for you.
But traditional lenders often make it harder than it needs to be.
At Austin Capital Mortgage, we’ve designed a jumbo loan program that puts your financial goals first. Here’s how we help you stay ahead:
No PMI, Lower Monthly Payments
Save thousands of dollars by avoiding private mortgage insurance (PMI).
Our jumbo loans come with no PMI, so you can enjoy lower monthly payments and maximize your returns.
Loan Amounts Up to $2M, 10% Down
Why lock up all your capital when you don’t have to?
With just 10% down, you can secure your dream property while keeping more funds available for other opportunities.
Higher Debt-to-Income Ratio Limits
Tired of rigid DTI ratios that don’t reflect your true buying power?
Our flexible guidelines make it easier to qualify, even with a higher debt-to-income ratio.
Use Rental Income from Your Current Home
If you’re moving, we’ll count rental income from your current property to help you qualify for higher loan amount.
This unique feature makes it easier to secure financing for your next investment.
Fannie Mae Guidelines (Less Restrictive)
Our program follows Fannie Mae guidelines, which are more flexible than most jumbo loans.
This means faster approvals and fewer obstacles for you.
Strong Rates & 30-Year Fixed Options
Lock in competitive rates and long-term stability with 30-year fixed options.
Plan your portfolio growth with confidence, knowing your payments won’t change.
How It Works: 100% Online Application
At Austin Capital Mortgage, we know your time is valuable, something traditional banks and lenders often overlook.
That's why we've simplified the jumbo loan process, making it fast and hassle-free. With our streamlined approach, you can complete your application online in just minutes. Here’s how it works:
1.
Pre-Approval in Minutes
Fill out our secure online pre-approval form - it takes just 2 minutes.
We’ll review your financial profile and provide a clear picture of how much you can borrow.
2.
Customized Loan Options
We shop all lenders to find the best rates and terms for your unique needs.
Whether you’re buying a luxury home, refinancing, or expanding your portfolio, we’ll tailor a solution that works for you.
3.
Fast Closing
With our in-house underwriting team, we close loans faster than traditional lenders.
We've closed jumbo loans in as little as 7 days.
Client Reviews
As Texas' top rated mortgage lenders, we have a stellar reputation with an average rating of 5 Stars ocross all channels: Google, Yelp, Zillow, BBB and Facebook.
Our Team of Top Mortgage Experts
With decades of combined experience, we’ve helped thousands of investors like you secure financing for luxury properties, second homes, and growing portfolios.
We understand the challenges you face, and we’re here to make the process simple, fast, and stress-free.
Charlie Cooper
President | NMLS #326203
Phone: (512) 891-0778
Email: charlie@austincapitalmortgage.com
Charlie Cooper was born in London and hailed from Jamaican roots, his upbringing unfolded in the vibrant city of Houston, Texas. Nurtured by a family deeply ingrained in entrepreneurship, he imbibed the art of chasing passions and charting a course for success from an early age.
His academic journey led him to the University of Houston, where he focused his studies on
Finance, complemented by a minor in Accounting.
Beyond his professional pursuits, Charlie is a fervent sports enthusiast, his love for adventure fueling a passion for global travel and immersive exploration. The Houston Oilers hold an unshakable place in Charlie's heart as his beloved football team of choice.
Jeff Wilkinson
Director of Operations
Phone: (512) 891-0778
Email: jeff@austincapitalmortgage.com
Jeff was born in California, although his formative years were spent abroad. It wasn't until high school that he returned to the United States, settling in Houston for his education. Texas Christian University welcomed him for his college years, during which he engaged in football.
After a brief stint in Phoenix, Arizona he found himself drawn back to Texas in 1996, marking the year he became a part of the Austin Capital Mortgage team. Beyond his professional commitments, Jeff’s competitive nature finds an outlet through pickleball, where he embraces the challenge with enthusiasm. His zest for life also extends to exploration alongside his wife and family, as they embark on travels together.
Paul Mitchell
Houston Branch Manager
Phone: (512) 524-9416
Email: paul@austincapitalmortgage.com
Hailing from the Lone Star State, Paul's roots and educational journey unfolded in the dynamic city of Houston. Armed with a Finance degree from the University of Houston, he spent 12 years working in the energy sector.. During this period, Paul assumed roles in sales, marketing, and management for a global oilfield services conglomerate. In 2016, he transitioned to the Austin Capital Mortgage team, where he has thrived as a dedicated Loan Originator.
Beyond the professional realm, Paul's interests encompass weightlifting, honing his skills in Jiu Jitsu, and relishing the joy of watching his daughters excel in softball.
Kari Cooper
Business Development
Phone: (512) 891-0778
Email: kari@austincapitalmortgage.com
Originating in Oslo, Norway, Kari's early years were marked by a journey across the heart of the southern United States. From Alabama to Louisiana, and through Mississippi, her family's wanderings culminated in the heart of central Texas, where she spent her formative years and graduated high school. Kari's academic journey led her to the Bauer School of Business at the University of Houston, where she earned a degree in marketing with a minor in African American studies.
Beyond the professional sphere, Kari finds solace in the pages of fiction, channeling her creativity into interior design and décor. Her passion for travel is evident as she crafts thoughtful vacation itineraries for her loved ones. With a knack for hosting, Kari transforms gatherings into remarkable occasions, effortlessly infusing a touch of extravagance into almost everything she undertakes.
Tom Oltmann
Loan Originator | NMLS #308768
Phone: (512) 891-0778
Email: tom@austincapitalmortgage.com
Originally born in Waterloo, Iowa, Tom's journey led him to plant roots in the Lone Star State at the age of nine. In 1996, he found his way to Austin, where he dedicated 12 years to his role as a retail store manager at AT&T. With a degree in Business Management and Finance from the University of Phoenix under his belt, he became an integral part of the Austin Capital Mortgage team in 2008, assuming the role of a Loan Originator.
Beyond the professional realm, Tom's interests encompass the thrill of travel, the finesse of golf, the precision of competitive pistol shooting, and cherished moments spent with family. His culinary passion shines as he dons the chef's hat, conjuring up delectable meals that delight friends and loved ones.
Adrienne Sanchez
Loan Originator | NMLS #1213046
Phone: (512) 891-0778
Email: adrienne@austincapitalmortgage.com
Adrienne was born in the golden state of California, where she spent her upbringing. However, her journey led her to Arizona, where she pursued and successfully completed nursing school. Her professional path took an unexpected turn in 1994, venturing into the mortgage industry. In 2004, Adrienne found herself in Austin, Texas, and shortly thereafter in 2009, she became a valued member of the Austin Capital Mortgage team. Her reputation at work speaks of a true team player, consistently placing her team's achievements at the forefront.
Beyond her professional pursuits, Adrienne finds joy in treasured moments spent with her two children, four grandchildren, and an extensive network of family and friends. Her zest for life extends to activities like Krav Maga and hiking, which resonate with her adventurous spirit.
Richard Armstrong
Houston Business Development
Phone: (512) 891-0778
Email: rich@austincapitalmortgage.com
Richard, also known as Rich, was born in Southern California but his journey led him to the heart of the Lone Star State in 1980. He pursued his education at Texas A&M, earning his degree before delving into running his family business, a role he fulfilled until 2021. Opting for a new chapter, Richard transitioned into the mortgage industry, becoming an integral part of Austin Capital Mortgage.
Beyond the realms of business, Richard nurtures his passions. The pursuit of bodybuilding, diving into fiction novels, and the gratifying role of coaching youth football fill his leisure hours. His devotion to his cherished children also shines bright, as he relishes the moments spent with them. An interesting tidbit about Richard is that he proudly embraces the role of a father to five children, aged between 11 and 15.
Nicholas Josey
Loan Originator | NMLS #2140112
Phone: (512) 891-0778
Hailing from the vibrant city of Houston, Texas, Nicholas's roots run deep in his hometown. His educational journey led him to the University of Mary Hardin-Baylor, where he attained a Bachelor of Business Administration in Business Management in 2019. During his time as a college student, he honed his skills at Austin Capital Mortgage's former parent company, Legend Lending Corporation, for a span of two years.
Post-graduation, Nicholas ventured into the tech industry for a period before he ultimately found his way back to Austin Capital Mortgage in 2021, marking a significant chapter in his career journey.
Connie Anderson
Processing Manager
Phone: (512) 891-0778
Connie's origins can be traced to Baytown, Texas, yet she has woven herself into the fabric of Austin, becoming a true Austinite. Initially drawn to Austin to pursue her education at the University of Texas, Connie's bond with the city grew stronger over time, making it a significant part of her life. Another cherished place she calls home is with her fiancé in Santa Fe, NM. Connie graduated from UT with a Bachelor of Arts in English and American Studies. Dedication defines her connections, not only to the city but also to our team – Austin Capital Mortgage has been her unwavering professional anchor since her college days.
Amid her professional pursuits, Connie finds solace in treasured moments shared with loved ones. Her passion for live music finds expression as she revels in attending symphony and ballet performances, infusing her life with cultural enrichment.